Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,298 | +0.280% | 117 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,170 | +0.169% | 7,468 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,572 | -0.043% | 539 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,946 | +0.369% | 114 | |
5 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,142 | +0.097% | 1,774 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,000 | +0.111% | 585 | |
7 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $5,874 | -0.190% | 152 | |
8 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,134 | +0.340% | 102 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,050 | +0.197% | 3,925 | |
10 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,811 | +0.261% | 547 | |
11 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,052 | +0.372% | 264 | |
12 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,429 | +0.357% | 148 | |
13 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,417 | +0.479% | 142 | |
14 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,860 | +0.227% | 128 | |
15 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $3,169 | +0.166% | 117 | |
16 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $1,622 | +0.172% | 96 | |
17 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,713 | +0.519% | 1,452 | |
18 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,922 | +0.468% | 817 | |
19 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,498 | +0.459% | 595 | |
20 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,872 | +0.239% | 376 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,291 | +0.443% | 374 | |
22 | NMSI, INC. | Strong | Sound | Sound | Exceptional | Strong | $3,237 | +0.307% | 358 | |
23 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,075 | -0.182% | 182 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,543 | +0.288% | 129 | |
25 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $3,105 | +0.393% | 129 | |
26 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,471 | +0.150% | 562 | |
27 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,646 | +0.486% | 472 | |
28 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,235 | +0.377% | 360 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,391 | +0.260% | 334 | |
30 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,340 | +0.146% | 330 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,544 | +0.362% | 276 | |
32 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,612 | +0.542% | 260 | |
33 | Hometown Equity Mortgage, LLC | Strong | Sound | Strong | Sound | Strong | $2,722 | +0.464% | 222 | |
34 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,151 | +0.256% | 220 | |
35 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,987 | +0.256% | 219 | |
36 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Strong | $2,968 | +0.382% | 136 | |
37 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,376 | +0.475% | 129 | |
38 | FIRST NATIONS HOME FINANCE CORPORATION | Strong | Sound | Sound | Strong | Strong | $2,953 | +0.258% | 127 | |
39 | ONY GLO, INC. | Strong | Sound | Strong | Sound | Strong | $3,504 | +0.395% | 125 | |
40 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,377 | +0.521% | 123 | |
41 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,138 | +0.126% | 118 | |
42 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $3,000 | +0.382% | 111 | |
43 | ROYAL PACIFIC FUNDING CORP. | Strong | Acceptable | Strong | Sound | Exceptional | $4,529 | +0.599% | 339 | |
44 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,777 | +0.589% | 329 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,706 | +0.620% | 218 | |
46 | EZ FUNDINGS INC. | Strong | Acceptable | Strong | Strong | Strong | $4,638 | +0.430% | 196 | |
47 | FlexPoint, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,503 | +0.643% | 135 | |
48 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,045 | +0.419% | 126 | |
49 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,899 | +0.371% | 117 | |
50 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,491 | +0.432% | 92 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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